Home Insurance in Quaker City, Ohio
With a median home value of $97,300, Quaker City is 38% lower than the Guernsey County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Quaker City was built in 1939 or earlier. About 75% of homes were built before 1960, about 37 points above Guernsey County's 38%.
The housing stock in Quaker City is 82% single-family homes, 6% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Quaker City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Quaker City has an owner-occupancy rate of 77% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Quaker City, 66% of homes are primarily heated with natural gas.
Guernsey County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Guernsey County had 130 active NFIP flood policies as of September 2026. See the full Guernsey County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $97,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Guernsey County | 130 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)